Retention champions in California in 2025, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Scott Evans (CrossCountry Mortgage, LLC, NMLS #256163), and Kashif Shamshad (U.S. Bank National Association, NMLS #1492490).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $131.2M | 95 | 72.0% |
| #2 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $65.7M | 93 | 45.8% |
| #3 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $120.8M | 78 | 82.1% |
| #4 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $83.6M | 72 | 75.0% |
| #5 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $95.8M | 71 | 75.5% |
| #6 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $77.1M | 61 | 64.9% |
| #7 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $77.4M | 60 | 53.6% |
| #8 | Limah Mangal | 633576 | Citibank, NA | 412915 | Dublin, CA | $65.6M | 59 | 77.6% |
| #9 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $70.1M | 58 | 85.3% |
| #10 | Liping Yi | 1241368 | Citibank, NA | 412915 | Sunnyvale, CA | $80.7M | 55 | 70.5% |
| #11 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $35.0M | 54 | 39.7% |
| #12 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $70.2M | 52 | 50.0% |
| #13 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $89.0M | 51 | 60.0% |
| #13 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $64.1M | 51 | 83.6% |
| #15 | Kevin Oto | 62641 | Green Haven Capital, Inc. | 173062 | Sacramento, CA | $24.3M | 50 | 75.8% |
| #16 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $65.1M | 49 | 58.3% |
| #16 | Hannah Papazian | 1918022 | Vellum Mortgage, Inc. | 1657323 | Walnut Creek, CA | $32.0M | 49 | 62.8% |
| #18 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $74.1M | 48 | 57.8% |
| #18 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $68.3M | 48 | 76.2% |
| #20 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $34.1M | 46 | 68.7% |
| #20 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $45.3M | 46 | 73.0% |
| #22 | Satish Dadral | 450886 | Wells Fargo Bank, National Association | 399801 | Los Altos, CA | $75.0M | 45 | 52.3% |
| #22 | Yuanzhu Li | 2005118 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $67.2M | 45 | 36.3% |
| #22 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $64.1M | 45 | 84.9% |
| #25 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $41.3M | 44 | 62.0% |
| #26 | Jeremy Forcier | 290878 | CrossCountry Mortgage, LLC | 3029 | Petaluma, CA | $23.7M | 43 | 61.4% |
| #26 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $16.5M | 43 | 68.3% |
| #28 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $31.2M | 42 | 89.4% |
| #28 | Mohamed Eltawy | 450660 | Guaranteed Rate, Inc. | 2611 | San Diego, CA | $61.5M | 42 | 80.8% |
| #28 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $47.7M | 42 | 67.7% |
| #28 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $42.2M | 42 | 64.6% |
| #28 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $15.5M | 42 | 61.8% |
| #28 | Yan Xu | 339629 | Wells Fargo Bank, National Association | 399801 | San Diego, CA | $47.3M | 42 | 79.2% |
| #34 | Reynaldo Reyes | 883074 | Sharp Loan, Inc. | 1387935 | Orange, CA | $22.1M | 41 | 50.6% |
| #34 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $58.3M | 41 | 78.8% |
| #36 | Keyurkumar Parikh | 1551916 | Bank of America, N.A. | 399802 | Fremont, CA | $53.3M | 40 | 78.4% |
| #36 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $25.8M | 40 | 37.7% |
| #36 | Kamran akbar | 389945 | ML Mortgage Corp. | 362312 | Rancho Cucamonga, CA | $19.6M | 40 | 67.8% |
| #36 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $26.3M | 40 | 64.5% |
| #40 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $43.1M | 38 | 62.3% |
| #40 | Stephanie Spaulding | 298661 | Trinity Intercontinental, Inc. | 299129 | San Diego, CA | $26.7M | 38 | 59.4% |
| #40 | Xueyan Jiang | 1778426 | Wells Fargo Bank, National Association | 399801 | San Jose, CA | $54.2M | 38 | 24.1% |
| #40 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $13.7M | 38 | 77.6% |
| #40 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $43.8M | 38 | 61.3% |
| #40 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $29.7M | 38 | 66.7% |
| #46 | David Sider | 254108 | C2 Financial Corporation | 135622 | San Diego, CA | $30.0M | 37 | 88.1% |
| #47 | Eric Rotner | 338424 | Cornerstone First Mortgage, LLC | 173855 | Los Gatos, CA | $36.5M | 36 | 54.5% |
| #48 | John Farrell | 374639 | U.S. Bank National Association | 402761 | Hopkins, MN | $39.2M | 35 | 77.8% |
| #48 | Hong Hu | 1363372 | Googain, Inc. | 275975 | Sunnyvale, CA | $25.6M | 35 | 81.4% |
| #48 | Hugo Groening-Rangel | 1309831 | Mission Federal Credit Union | 472321 | San Diego, CA | $36.4M | 35 | 63.6% |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Retention Champions by Loan Count — California (2025). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-units/2025
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